The thief not only got her numbers, they made up fake cards and used them at a Sunoco gas station in Fort Lee, New Jersey.
They used the fraudulent card not once, but twice, presenting first a bank card, then a credit card.
Both were never missing from Lucille Waggoner's wallet.
"I said maybe someone made up a card, and I was told that doesn't happen," said Waggoner.
As a billing manager for a local bio-research company, Lucille keeps meticulous records, but didn't catch the $140 charge before paying her bill.
She contacted her Citibank Sears card's customer service right away, which initially refunded the charge.
But later, they billed her back after discovering a physical card had been presented at the time of sale.
Lucille demanded to see a copy of the sales slip, and sure enough, it has her number on it, but it's not her license plate written on the slip and clearly not her signature.
"They would sign and we will verify the signature, and if it doesn't match that wouldn't happen," said Michael Price, the manager of the Sunoco gas station.
Price insisted employees do signature comparisons, but said they do not ask for picture IDs.
When fraudsters actually make up a card to use, it's up to customers like Lucille to prove they never made the charge.
She's had to file a police report and a present a sworn affidavit to prove she was never at that gas station, and still, the company would not refund the charge.
"It's almost 8 months now, I've jumped through all your hoops, what more do I need to do?" questioned Waggoner.
Eyewitness News asked Citibank to look into the case.
After investigating, a spokesperson said they're in the process of resolving the disputed charge on the customers behalf and thanked 7 On Your Side for bringing it to their attention.
"I always see 7 On Your Side and how they help everybody and I say well, maybe they can help me," said Waggoner.
From now on, Lucille says she'll check her statements more carefully after learning the hard way its more difficult to get reimbursed than refuse to pay the charge in the first place.